Creative Realty  and Financing, LLC
Less Stress. Less Worries.

Donna Allison
Acquisition Manager

Creative Realty and Financing, LLC  has many investors that we have direct relationships with. Because of this, we can provide a myriad of lending options to fit the client's needs. We deal with all types of properties and projects including green energy projects.


Financing Types Available:

Bridge Loans: A short-term loan to help "bridge" the gap between loans, where as the Client may need time to reposition finances or is pending permanent fixed rate financing.

Crisis Bridge loans: This Fund targets firms that hve been left at the altar by another funding source and the borrower stands to suffer significant economic harm if the transaction fails to close in an expedited fashion.

Equity: Capital that can provide all or a portion of the equity required to develop or acquire a property. The Equity Partner(s) will typically require part ownership of the real estate or project in return. 

Construction Loans: Typically, a floating rate, short-term loan to provide construction financing for commercial based projects. These loans are usually funded with "draws" on a monthly basis.

Construction to Permanent Loans: Typically, a long-term loan consisting of a short-term floating rate for the construction period and then a fixed rate period, usually stretched out over a 5, 7, or 10 years. 

Freddie Mac/Fannie Mae/ FHA Loans:  A traditional fixed rate, long-term solution for multi-family properties. Terms range from 5-30 years, and are based on a loan-to-value ratio (LTV) of 65-80% depending on the State the property is located in. Full documentation is required to qualify for this type of loan.

Hard Money: A short-term, high-interest rate loan, ranging from 8 -16% typically. The loan is usually interest only with lender fees ranging from 2 - 10 points.

Industrial Revenue Bonds:
Created for the purpose of guaranteeing  the financing of a project or business.  These can be issued by a Government body and insured. 

Joint Venture / Equity: A short term loan providing equity, or a portion of the equity, needed to develop a property. In return, the JV / Equity Partner will typically require part ownership of the real estate or project, but will typically provide buyout terms for the principle to regain full ownership after a fixed period of time.

Conveyance Financing: Whereby we can take the conveyance rights of any existing property or future stabilized value of any development and monetize them.  The property owner realizes a gain of % of that value and never has to repay it.

Mezzanine Loans: A short-term loan, provided behind the existing first mortgage. Total loan proceeds for the 1st and Mezzanine do % LTV.

Permanent Loans: Long-term, fixed-rate financing for refinancing out of other types of loans (construction, interest only, etc...). The loan term is typically 3, 5, 7,10,20, or 30 years, but can be has high as 40 years.

SBA/SBIC/USDA Loans: These are loans for the purpose of business, real estate, rural property, farms, etc. backed by the Federal Government.

Financial Instrument  Financing:  We lend against stocks, bonds, CD's, etc as % of face value. The security never leaves your brokerage account and you continue to realize any gains.  Rates very low %.

Accounts Receivable Financing:  Monetize your 30,60 & 90 day receivables at invoice and we will collect on your behalf allowing you the cash flow you need to grow your business.

Lease Financing:  All types of programs for obtaining and upgrading much needed equipment for growing your business.

Other Options: All types of programs are being added to our programs, please check with us and let us know what your looking for we might have it and just havent updated it to the website.